Unfortunately not. It's a weird topic with no reference content when we were working on recon at Cash App, which is why I wrote the essay.
If you find anything on it, let me know.
5,502 karma · joined March 3, 2011
If you find anything on it, let me know.
Immediately after reading this, a colleague asked:
"How can a balance ever be not the sum of the transactions ?"
Which elides the fact that differing transactions have different states they can be in (and different levels of immutability). But once you get in the weeds dealing with this stuff is a real pain.
Might be the difference between success and injury.
This means some fields were added in later so there was missing data in the first batch. We'll make this statement more clear.
We (Carbon) don't exclude any patients (whether asymptomatic or not). One reason the dataset has other results (like flu/strep).
They all assume that you want to take on the work to handle payments, validation and everything else.
We're extending them by one step - handling the last mile, so all you need to do is hand us a document. Think of it like the Stripe Checkout, built on top of Stripe's APIs.
questions, comments and feedback are welcome.
For Instagram; they have creators (who create content, make filters etc) who already get paid by Instagram when that content is sold. No idea how large that business is, but it's a case where instagram is impacting the moneyflow. They would definitely not be a vertical neobank for consumers. Way too broad.
For Spotify - they are in the money flow for artists. The vertical neobank would be for those artists getting paid.
Never thought of this distinction, but I don't hate it.
I think a material distinction between Apple/Amazon etc and Alibaba is that in Alibaba's operating environment there wasn't a strong digital financial ecosystem to compete with (not to mention that they were a national champion). I'm not convinced they all can do exactly the same thing Alibaba did. Apple is edging it's way there and doing it in an original way, but they're not doing it in a way that is in line with what I described at all (for example, if Apple were pursuing a vertical neobank strategy, they would launch a banking service for appstore developers, who AFAIK are the only customer segment for whom Apple is an income driver). For Amazon it could be sellers, for Google it could be Adsense advertisers, and I'm not sure what the equivalent would be for Facebook.
I also think a reason these folks havent gone the lending route (other than Amazon) is because I don't know if its believable that their data could be differentiated for lending purposes. Just a thought.
I don't think every app becomes a vertical neobank. I think apps that already have a moneymoving financial relationship with some niche, have a real opportunity to serve that niche very well. Specifically - if you're a material source of income for some niche, or if you're a source of growth for some niche, then you have a real shot at the vertical neobank strategy.
Agree with this comment "the data that we receive to learn about customers becomes worse and worse"
"Hey lets allow this company that basically competes with us via Whole Foods to also get data on who our customers are and what they buy and when"
Edit: one such startup is https://opus.ai/
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Building: easytts.com
Stage: Bootstrapped, Pre-revenue
We make: easy text to speech / text to voice conversion tools. Started with a basic web based conversion tool, and want to make something deeper that helps bloggers turn their blogs into podcasts, read by human-like voices, for cheap.
Team: 2
We need help with: Finding customers. To date we've relied heavily on SEO. Would love to figure out inbound marketing or something similar.
Thanks! Mailaletter.com is great, and we (Mailform) are a competitor. There's a few others you could check out:
click2mail.com
neopost.com
clicksend.com
papermail.in
letterstream.com
pingen.com
elipso.eu
postalmethods.com
sendovernightmail.com (also owned by us btw)
They're all pretty different along cost, features, delivery speed, etc. Cheapest probably depends how you define it (mailaletter is one of the cheapest if you're sending a single letter, click2mail is probably the cheapest if you're sending multiple, etc)
here to help, team@mailform.io :)
- quality of voices
- output speed
- inputs (we already support text in Google Docs and Google Sheets, more are coming)
- outputs formats and destinations
Open to feedback, please let us know what you think!
With us you can do this in 5 steps. Try it, give feedback, and be candid. Thanks!
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What we do:
Cash App is the easiest way to send and receive money. We make it easy to pay and get paid, spend safely, deposit your paycheck, buy/sell bitcoin and save while you spend. We're hiring engineers to help unbanked and underbanked customers around the country manage their money.
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Why it's cool:
Cash is the number #1 finance app in the US (and a top 20 free app overall). We're a full stack team, with opportunities to work on highly polished customer facing features, deep money movement infrastructure including blockchain, external integrations and risk & machine learning infrastructure. Cash's goal is to be an honest financial network, and millions of customers per month already manage their money with Cash. Our work environment includes lots of Silicon Valley style perks, and supports a distributed/remote team culture; we have engineering centers in Melbourne AU, Kitchener/Waterloo CA, San Francisco, New York, and Austin, as well as team members spread around the world from Kansas to Stockholm. We help with visas were necessary.
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Technologies we use and teach:
Java & Kotlin including JUnit, Hibernate, Guice, and OkHttp/Retrofit
HTTP, JSON, gRPC, and Protocol Buffers
MySQL/Vitess
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If this matches your background and interests, we'd love to talk to you -- email ayo+hn@squareup.com.
Cash App (by Square Inc) is hiring across ML, Backend, iOS & Android to work on features for the #1 Finance app in the US on iOS and Android.
----
What we do:
Cash App is the easiest way to send and receive money. We make it easy to get paid, spend safely, deposit your paycheck, buy bitcoin and save while you spend. We're hiring engineers to help unbanked and underbanked customers around the country manage their money.
----
Why it's cool:
Cash is a fullstack team, with opportunities to work on highly well designed customer facing features, deep moneymovement infrastructure, and risk & machine learning infrastructure. Cash's goal is to be an honest financial network, and millions of customers per month already manage their money with Cash. Our work environment includes lots of Silicon Valley style perks, and supports a distributed team culture; we have teams in timezones from Melbourne to Stockholm.
----
Technologies we use and teach:
Java 8 including JUnit, Hibernate, Guice, and Jersey
HTTP, JSON, gRPC, and Protocol Buffers
MySQL
----
If this matches your background and interests, we'd love to talk to you -- email ayo+hn@squareup.com.